M16S / HDFC Bank / HDFC Swiggy BLCK Credit Card
mid · cobrand, cashback
HDFC Swiggy BLCK Credit Card
The HDFC Swiggy BLCK Credit Card costs Rs 1,000 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1% (1% cashback on other eligible spends (min txn Rs 100)). The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- Swiggy BLCK HDFC card adds 1% fuel fee above Rs 15,000, Oct 2025
From 1 October 2025, a 1% fee applies on fuel transactions above Rs 15,000. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, media-assets.swiggy.com, read 28 Oct 2026
- Swiggy BLCK HDFC card adds 1% fee on third-party education payments, Oct 2025
From 1 October 2025, a 1% fee applies on education payments made through third-party apps like CRED, Nobroker and Cheq, capped at Rs 4,999 per transaction. Direct school or college payments and international education payments are not charged. Source: HDFC Bank, media-assets.swiggy.com, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 1,000 |
|---|---|
| Annual fee | Rs 1,000 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Joining/renewal fee Rs 1,000 + charges; joining fee waived on Rs 75,000 spend in the first 90 days (first year only); renewal fee waived on Rs 2 lakh annual spend, cash on call and cash withdrawals excluded (HDFC page). |
Rewards
| Welcome benefit | 3-month Swiggy BLCK membership on card activation |
|---|---|
| Reward currency | Cashback (statement credit) |
| Base earn | 1% cashback on other eligible spends (min txn Rs 100) |
| Base return | 1% |
| Point value | Cashback auto-redeemed against the card outstanding at face value |
| Accelerated earn | 10% on Swiggy app (food, Instamart, Dineout; min txn Rs 249); 5% on select online merchants/MCCs (min txn Rs 100) |
| Caps | 10% Swiggy: Rs 1,500 per billing cycle; 5% online: Rs 1,500; 1%: Rs 1,000; overall 4,000 per statement cycle (MITC) |
| Spends that earn nothingunverified | Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases |
| Points expiry | Not applicable |
| Reward notes | Base return = 1%. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | Not applicable (MITC) |
| Other freebiesunverified | Mastercard golf: 12 free lessons a year, 4 complimentary green-fee rounds per calendar year, 50% off further rounds; up to 50 interest-free days; concierge (aggregator, not on HDFC page) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, net monthly income above Rs 1,00,000; self-employed: age 21-65, ITR above Rs 12 lakh a year |
| Fine-print notes | Fees, interest and late charges read from the HDFC Key Fact Statement hosted by Swiggy. Issuer product page read 2026-10-12. Cashback caps and the exclusion list are not on the product page (caps from MITC, exclusions from aggregator). Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Swiggy BLCK Credit Card?
- Rs 1,000 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the HDFC Swiggy BLCK Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the HDFC Swiggy BLCK Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Swiggy BLCK Credit Card?
- Fuel, rent, wallet/gift/prepaid card loads, government, gaming, education, jewellery, SmartPay, SmartBuy, all EMI, cash advances, forex purchases